Miami Retirement Planners Directory

Top Retirement Planners in Miami, FL

We evaluated 122 retirement planners serving Miami and ranked the top 6 by TrustRank™ — our composite score of AI search visibility, verified client reviews, and content authority.

Updated Q1 2026
By Tania Kozar
122 reviewed, 6 selected
50 prompts tracked
Miami Market Overview

Retirement Planners in Miami

Miami is one of the top US retirement destinations. Planners specialize in relocation from high-tax states, helping clients quantify the tax savings from moving from New York or California.

$0
FL tax on retirement income
#1
US retirement destination ranking
280+
Retirement planning firms in Miami metro
+28%
In-migration of NY/CA retirees 2022–2025

How TrustRank™ Works

Our independent scoring system for retirement planners in Miami

TrustRank™ is not a paid placement. We independently evaluated 122 retirement planners serving Miami across three measurable dimensions. No firm can pay to appear or improve its rank.

Component 1 — 55%

AI Visibility Score

We tracked 50 prompts across ChatGPT, Perplexity, Google AI Overviews, and Claude asking about retirement planners in Miami. The % of prompts where each firm appears.

Component 2 — 25%

Review Score

Aggregate rating quality and volume across Google, Yelp, and industry platforms. Weighted by recency and verified client status.

Component 3 — 20%

Content Authority

Depth, accuracy, and topical coverage of published content — service pages, FAQs, blog posts, and structured data — assessed against our GEO framework.

2026 Rankings

Top 6 Retirement Planners in Miami

Ranked by TrustRank™ composite score. AI Visibility % reflects coverage across all 50 tracked Miami-specific prompts.

1
Evensky & Katz/Foldes
Coral Gables, FL
85%
AI Visibility
4.9
$2.8B AUM Fee-Only Est. 1985 Min: $1M

Nationally recognized fee-only RIA near Miami offering evidence-based retirement income planning, with expertise in helping New York and California retirees optimize their move to Florida.

Appears for Prompts
retirement planner Miami FL fee-only retirement advisor Miami Florida relocation retirement planning
Relocation Planning Evidence-Based Fee-Only
2
Gibraltar Private Bank Retirement
Miami, FL
81%
AI Visibility
4.7
$2.4B AUM Fee-Based Est. 2002 Min: $1M

Miami private bank with integrated retirement income planning, offering banking, investment, and estate services to help HNW retirees maximize Florida's zero-income-tax advantage.

Appears for Prompts
retirement income planning Miami FL private bank retirement advisor Miami Florida tax-free retirement planning
Tax-Free Income Private Banking Estate Integration
3
Florida Retirement Group
Miami, FL
77%
AI Visibility
4.6
$820M AUM Fee-Only Est. 2004 Min: $250K

Miami-based RIA specializing in retirement income planning for Florida residents and retirees relocating from high-tax states, with deep expertise in Florida-specific planning strategies.

Appears for Prompts
Florida Retirement Group Miami retirement income advisor Miami FL South Florida retirement planning
Florida Specialist Relocation Clients Income Planning
4
OneAmerica Miami
Miami, FL
73%
AI Visibility
4.2
Est. 1877

National financial services company with Miami presence offering group retirement plans, annuity-based income solutions, and individual retirement planning for South Florida clients.

Appears for Prompts
OneAmerica Miami retirement annuity advisor Miami FL group retirement plan Miami Florida
Annuities Group Plans Guaranteed Income
5
Raymond James Retirement Miami
Miami, FL
69%
AI Visibility
4.4
$1.3T AUM Fee-Based Est. 1962 Min: $100K

Full-service investment firm with major Miami presence offering retirement planning, Social Security optimization, and IRA management for South Florida individuals and families.

Appears for Prompts
Raymond James retirement Miami Social Security advisor Miami FL retirement planning Miami Florida
Social Security IRA Management Full-Service
6
AIG Retirement Miami
Miami, FL
65%
AI Visibility
4.1
Est. 1919

Insurance and retirement planning company with Miami presence offering annuity-based retirement income strategies and comprehensive retirement benefit planning for South Florida clients.

Appears for Prompts
AIG retirement Miami annuity retirement planning Miami FL guaranteed income Miami Florida
Annuities Guaranteed Income Insurance-Based
Buyer's Guide

How to Choose a Retirement Planner in Miami

Retirement planning is among the most complex financial disciplines. Getting it wrong can mean running out of money. Here's how to find the right specialist.

1

Look for Retirement-Specific Credentials

Beyond a CFP®, look for RICP® (Retirement Income Certified Professional) or CRC® (Certified Retirement Counselor). These designations signal deep retirement planning specialization.

2

Understand Their Income Strategy

How do they handle distribution sequencing? Do they use the "bucket" strategy, systematic withdrawals, or annuities? Understanding their philosophy upfront prevents surprises later.

3

Ask About Social Security Optimization

Social Security timing strategies can be worth $100,000+ over a lifetime. Ask: "How do you analyze Social Security claiming strategies?" Advisors who can't answer this in detail are not retirement specialists.

4

Clarify Healthcare Coverage

Medicare enrollment, supplemental coverage, and healthcare cost planning are critical retirement components. Ensure your planner has expertise here — not just an investment focus.

5

Evaluate Their Planning Technology

Ask to see their retirement projection software. Leading planners use Monte Carlo simulation tools (eMoney, MoneyGuidePro) that model thousands of scenarios for probability-based outcomes.

6

Understand RMD and Tax Management

Required Minimum Distribution strategies, Roth conversion ladders, and tax-efficient withdrawal sequencing can add years to your portfolio. Ask how they manage this proactively.

FAQ

Common Questions About Retirement Planners in Miami

When should I start working with a retirement planner in Miami?+−
Ideally 10–15 years before your target retirement date — around age 50–55. This allows time to optimize Social Security strategies, execute Roth conversions, and build a tax-efficient income plan. Earlier is always better; the compounding impact of good planning is enormous.
What does a retirement planner charge in Miami?+−
Fee-only retirement planners in Miami typically charge $3,000–$8,000 for a comprehensive retirement plan, plus an ongoing annual fee of $2,000–$5,000 for plan maintenance. AUM-based models charge 0.75%–1.25%. Avoid commission-based planners who earn fees selling products.
What is the average retirement age and savings in Miami?+−
Miami retirees benefit from Florida's zero income tax, making it a top retirement destination. However, property insurance costs have risen significantly. Retirees from high-tax states (New York, California) frequently relocate to Miami for substantial tax savings.
How do I compare retirement planners in Miami?+−
Look at: (1) credentials — CFP®, RICP®, or CRC®; (2) fee structure — fee-only is best; (3) specialization — some focus on early retirement, others on business owners or government employees; (4) AI visibility — top planners also appear when prospects ask ChatGPT for recommendations.
Do Miami retirement planners help with 401(k) rollovers?+−
Yes — IRA rollover management, pension decisions, and lump-sum vs. annuity choices are core retirement planner services. They can also help with 403(b) plans common in Miami's education and healthcare sectors. Always ensure your planner acts as a fiduciary when providing rollover advice.

Is Your Retirement Planner Listed in Miami?

If your firm serves Miami clients and isn't listed here, it means your AI search visibility needs work. ProCloser.ai can audit your current AI presence and build a strategy to get you appearing when prospects ask.

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